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尽管平安和中安因其建立端到端业务和向上游转移以确保分销渠道的能力而得到广泛认可,但这些业务主要局限于财产保险和短期人身事故。 事实上,中安93%的毛保费是电子商务回报,旅游保险,信用担保和汽车保险。 中安自己承认是一个“低价,大批量”的企业。最近,中国保险公司Bihubao已经出现了解决中国人寿/健康保险系统性问题的方法,其中分销仍然严重依赖代理商和 代理商渠道正在努力应对代理商流失和职业动机.Bihubao在微信中开发了用户教育功能以优化续订率,并开发了一个技术业务部门来推动新功能,这是其他行业中断的关键推动因素。





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